Cardiorespiratory fitness (CRF) is a measure of the body’s ability to supply oxygen to muscles, including the heart, during sustained levels of exercise. Whether or not you believe the hype that just sitting around poses a significant health risk, the truth is most people could do with exercising more.
An analysis of cause-specific mortality can shed light on variations in mortality patterns across sub-populations of an individual life insurance portfolio. These insights inform future mortality projections such as mortality improvement assumptions. The complex nature of mortality risk, especially for insured lives that are subject to the rigorous process of life underwriting, poses a challenge in understanding the likelihood of one cause of death over another.
Is science fiction becoming science fact? Liquid biopsies are a new class of blood- (or other bodily fluid-based) tests that can reveal direct evidence of cancer and are far less invasive than traditional biopsies. RGA's Dr. Daniel Zimmerman explores linkages between advances in genetics and this new technology. He also investigates limitations, potential mortality and morbidity impacts, and insurance implications.
Accelerated underwriting programs continue to evolve at a rapid pace. Triage systems have become a key element in many of the newer programs in the market. Depending on the criteria used at the triage point, these programs can have residual effects on class prevalence and mortality, which in turn affect the profitability of these programs.
Recent celebrity deaths have brought the topic of suicide out of the shadows and sparked conversation about the causes for suicide and possible preventive measures.
Rates of diabetes, heart disease, respiratory disorders, certain cancers and other non-communicable diseases are increasing globally, and a growing body of evidence links lifestyle behaviors, such as physical inactivity, poor nutrition and smoking, to the increase.
There is plenty of evidence that, generally, mortality is elevated in mental illness. That it should be so in the more severe forms such as schizophrenia and bipolar disorder should be no surprise, but it is interesting to note that even milder conditions may present an extra risk.
The Society of Actuaries sponsored a Delphi study to gather expert viewpoints regarding emerging underwriting methodologies and their impact on future mortality experience.
Hilary Henly, Head of Underwriting, Ireland and Director, Divisional Underwriting Research, presents an innovative review of some non-traditional predictors of mortality and morbidity. She discusses the impact of loneliness, social engagement, and social activity. Given the aging population and newer approaches to older age underwriting, this topic will be of significant interest to the reader.
Thyroid cancer (TC) is the most prevalent endocrine cancer, accounting for about 95% of all such malignancies. The incidence of this cancer has increased dramatically in the last three decades.